Focused Fund · head to head · AMFI NAVs
Nippon India Focused Fund vs SBI Focused Fund: SIP returns compared
Same ₹10,000 monthly SIP, same dates, Direct plans: over the last 5 years Nippon India Focused Fund is worth ₹7.22 L (XIRR 7.6%) and SBI Focused Fund ₹8.22 L (XIRR 12.9%) — SBI Focused Fund ahead by ₹99,815. Across every 5-year SIP since Jan 2013, Nippon India Focused Fund finished ahead in 50 of 106 and SBI Focused Fund in 56.
Historical simulation on actual NAVs — not a forecast and not investment advice. Disclaimer
Nippon India Focused Fund: invested — over — instalments; valued at NAV of —:
| Year | Invested | Nippon India Focused Fund value | XIRR to date |
|---|
₹10,000 a month in each: what it became
Each row is a monthly SIP ending today (1 Oct 2026), Direct plans. Post-tax assumes everything is redeemed today with no other capital gains this year.
| SIP period | Invested | Nippon India Focused Fund | XIRR | SBI Focused Fund | XIRR | Post-tax (both) |
|---|---|---|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1.16 L | -8.0% | ₹1.22 L | 3.0% | ₹1.16 L / ₹1.21 L |
| 3 years | ₹3,60,000 | ₹3.68 L | 1.4% | ₹4.17 L | 10.3% | ₹3.68 L / ₹4.16 L |
| 5 years | ₹6,00,000 | ₹7.22 L | 7.6% | ₹8.22 L | 12.9% | ₹7.22 L / ₹8.09 L |
| 10 years | ₹12,00,000 | ₹22.94 L | 12.6% | ₹26.20 L | 15.1% | ₹21.76 L / ₹24.63 L |
Every 5-year SIP, head to head
We started the same SIP in both funds in every month both have NAVs for — 106 SIPs, the first starting Jan 2013. Nippon India Focused Fund finished ahead in 47% of them; the median gap was 0.5 percentage points a year in SBI Focused Fund's favour.
Downside on the same dates: Nippon India Focused Fund's worst 5-year SIP returned -9.1% a year (started Apr 2015) and 3 of 106 lost money; SBI Focused Fund's worst returned 2.2% (started Apr 2015) and 0 lost money.
XIRR of every 5-year monthly SIP by the month it started. Gap = Nippon India Focused Fund minus SBI Focused Fund, percentage points a year.
| Window | SIPs compared | Ahead (Nippon / SBI) | Median gap | Worst gap | Best gap |
|---|---|---|---|---|---|
| 3-year SIPs | 130 | 53% / 47% | +0.9 pp | -15.8 ppstarted Apr 2017 | +11.9 ppstarted Jan 2013 |
| 5-year SIPs | 106 | 47% / 53% | -0.5 pp | -11.2 ppstarted Apr 2015 | +5.2 ppstarted Jan 2019 |
Against an index fund, and the cost of the Regular plan
- Nippon India Focused Fund beat a plain Nifty 500 index fund in 51% of 49 rolling 3-year SIPs (median gap +0.0 pp a year) — Nippon India Focused Fund vs Nifty 500 index fund.
- Nippon India Focused Fund: the Regular plan of the same 10-year SIP ended ₹95,067 below Direct.
- SBI Focused Fund beat a plain Nifty 500 index fund in 45% of 49 rolling 3-year SIPs (median gap -0.6 pp a year) — SBI Focused Fund vs Nifty 500 index fund.
- SBI Focused Fund: the Regular plan of the same 10-year SIP ended ₹1,42,761 below Direct.
Questions
Which has given better SIP returns, Nippon India Focused Fund or SBI Focused Fund?
Over the last 5 years a ₹10,000 monthly SIP (Direct plans) is worth ₹7.22 L in Nippon India Focused Fund (XIRR 7.6%) and ₹8.22 L in SBI Focused Fund (XIRR 12.9%). Past returns don't tell you which will do better next.
Has Nippon India Focused Fund beaten SBI Focused Fund consistently?
In 47% of 106 rolling 5-year SIPs started on the same dates (from Jan 2013), Nippon India Focused Fund ended ahead of SBI Focused Fund (Direct plans). The median difference was -0.5 percentage points a year.
Where does this data come from?
Official daily NAVs published by AMFI. SIP instalments fall on the first business day of each month; both funds are compared on identical dates. Updated monthly.
Comparison on official AMFI NAVs, SIP on the first business day of each month, identical dates for both funds. It shows what happened, not which fund to buy — past performance does not indicate future returns. sipcalculatorhub.com is not a SEBI-registered investment adviser. Methodology.
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